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Martin Luther King Jr. was the most important voice of the American civil rights movement, which worked for equal rights for all.

He was famous for using nonviolent resistance to overcome injustice, and he never got tired of trying to end segregation laws (laws that prevented blacks from entering certain places, such as restaurants, hotels, and public schools).

The civil rights movement had a big year in 1964. Martin Luther King Jr. won the Nobel Peace Prize, and Congress passed the Civil Rights Act of 1964. This law made it illegal to treat people differently because of the color of their skin when they were trying to buy a house, rent an apartment or go to a restaurant, for example. But passing this law did not always make things better for African-Americans.

He also did all he could to make people realize that "all men are created equal." Because of his great work, in 1964 King received the Nobel Peace Prize -- the youngest person ever to receive this high honor. King was also a Baptist minister. He was assassinated in Memphis, Tennessee, when he was just 39 years old. His birthday is now observed as a national holiday on the third Monday in January.

FTC: Your Rights: Credit Reporting

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.

A Warning About "Imposter" Sites

The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell annualcreditreport.com, or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit reports.

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Top 10 Consumer Complaints

According to the FTC, for the eighth year in a row, identity theft is the number one consumer complaint category. Of 813,899 total complaints received in 2007, 258,427, or 32 percent, were related to identity theft.

Consumers reported fraud losses totaling more than $1.2 billion; the median monetary loss per person was $349, the report states.